A Guide to Your Merrill Lynch Statement

[Pages:13]A Guide to Your Merrill Lynch Statement

Understanding features and benefits

TRACKING PROGRESS

As a Merrill Lynch client, you receive a user-friendly monthly statement that gives you a snapshot of where you stand financially--across both sides of your balance sheet and within each Merrill Lynch account and product type.

While the Merrill Lynch statement is simple by design and intended to be easy to read, we've prepared this guide to explain its features and benefits and to answer any questions you might have.

You can view your statements, your trade confirmations and this guide online. And you can print your statements or save them to your computer or CD. To opt for online delivery and convenient e-mail alerts, visit TM.

Inside

Statement Structure

2

Key Information

4

- Summary Pages

4

- Account Detail Pages

6

Additional Statement Features 11

Additional Client Reporting 12

Statement Structure

Your Merrill Lynch statement is structured to make it easy to locate information. It's based on up to five summary pages, supported by account detail pages. Shown here is a "map" of the Merrill Lynch statement. Not all clients will receive all the summary pages.

Summary Pages

JOHN Q CUSTOMER AND MARY CUSTOMER 123 ANY STREET APT 1A ANYTOWN, ST 12345-6789

Need Investment Guidance? Call Your Financial Advisor

Your Financial Advisor: JOHN Q ADVISOR 456 ANY STREET ANYTOWN, ST 12345-6789 john_advisor@ (000) 000-0000

Primary Account: 1X1-45678

YOUR MERRILL LYNCH REPORT

December 01, 2009 - December 31, 2009

PORTFOLIO SUMMARY

Net Portfolio Value Your Assets Your Liabilities

Your Net Cash Flow (Inflows/Outflows) Securities You Transferred In/Out

Subtotal Net Contributions

Your Dividends/Interest Income Your Market Change

Subtotal Investment Earnings Net Portfolio Value (in millions), 2004-2009

December 31 $1,167,031.65 $1,169,231.65

($2,200.00)

($305.48) --

($305.48)

$732.21 $151,380.02 $152,112.23

November 30 $1,015,224.90 $1,015,224.90

--

($1,324.01) --

($1,324.01)

$1,202.21 $42,381.00 $43,583.21

Month Change

$151,806.75

$154,006.75

If you have questions on your statement,

call 24-Hour Assistance:

(800) MERRILL

(800) 637-7455 Access Code: XX-XXX-XXXX

.97

.99

1.01

1.16

Up-to-date account information can be viewed

.94

.92

.92

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.95

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at: , where your statements are

archived for three or more years.

Questions about ? Click the "help" tab at the top of the screen once you log in.

4/04 12/04 12/05 12/06 12/07 12/08 1Q09 2Q09 3Q09* 10/09 11/09 12/09 * Link relationship change.

Includes cash/margin debit balances and short market values. See Your Balance Sheet and account statements for more details.

INFORMATION AT YOUR FINGERTIPS, NOT IN YOUR MAILBOX

Did you know you can receive this statement and many other Merrill Lynch communications electronically, instead of in the mail? E-delivery through My Merrill ? is a fast,

flexible, safe way to reduce paper mail. Visit to enroll today.

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank

of America Corporation. Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.

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Your Merrill Lynch Report

? Integrates Assets and Liabilities in one view

? Highlights changes in Portfolio Summary including net cash flow, security deposits/ withdrawals and market change

? Displays trends over the past five years plus the current year

? Provides information on opportunities to obtain investment guidance

YOUR ACCOUNTS

Account Number: 1X1-45678

24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX

December 01, 2009 - December 31, 2009

Account No.

Account Type/Managing Firm

December 31

November 30

Page

BEYOND BANKING

Beyond Banking marketing message displayed here.

INVESTMENTS

JOHN Q CUSTOMER AND

1X1-456781

CMA

1This account has a margin debit balance. Please see the enclosed account statement for details.

1,149,820.53

996,170.24

6

RETIREMENT JOHN'S RETIREMENT

2X1-56789

IRA

17,211.12

19,054.66

20

CREDIT & LENDING

JOHN Q CUSTOMER AND

0000000000

Mortgage as of 07/29/09

(183,612.50)

(185,972.50)

JOHN Q CUSTOMER AND

0000000000

Home Equity as of 07/29/09

--

--

Available Credit: 200,000.00

Subtotal

(183,612.50)

(185,972.50)

Mortgage and home equity information provided by PHH Mortgage Corporation, the servicer of these loans. Previous month's mortgage and home equity balances are not as

of the date above, but reflect balances reported on your last Merrill Lynch statement. For detailed information, please reference your regular monthly loan statement.

ESTATE PLANNING SERVICES

Estate Planning Services marketing message displayed here.

SOLUTIONS FOR BUSINESS

Business Financial Marketing Message displayed here.

All brokerage accounts are held at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Member SIPC. Bank deposits are held at Merrill Lynch affiliated banks or other depository institutions and are covered by FDIC insurance up to applicable limits. They are not protected by SIPC, see footnote 14 on the last page of this statement for more information. These summary reports are provided for informational purposes only and contain information from accounts linked for delivery in a single package. The underlying accounts may have different owners and use of "you" or "your" in these reports refer to all owners. The enclosed separate account statements are the official record for each account.

001

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Your Accounts

? Presents a top-level overview of your individual accounts

? Includes all product categories, from Retirement to Solutions for Business

Account Detail Pages (CMA? account shown as an example. Pages to be repeated for all accounts.)

Online at mlol.

THIS IS A LINE OF 30 CHARACTER JOHN Q CUSTOMER 123 ANY STREET ANYTOWN, ST 12345-6789 TO ACCOMODATE MAXIMUM OF 6 LINES TOTAL DEPTH

CMA? ACCOUNT

Account Number: 1X1-45678

24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX

Net Portfolio Value:

$65,522,768.00

Your Financial Advisor: ADVISOR NAME UP TO 40 CHARACTERSXX-XXXXX ADDRESS 1 UP TO 30 CHARACTERS ADDRESS 2 UP TO 30 CHARACTERS robert_advisor@ (000) 000-0000

December 01, 2009 ? December 31, 2009

ASSETS

Cash/Money Accounts Fixed Income Equities Mutual Funds Options Other Alternative Investments

Subtotal (Long Portfolio) Estimated Accrued Interest Life Insurance/Annuities

TOTAL ASSETS

LIABILITIES

Margin Loan/Debit Balance Short Market Value

TOTAL LIABILITIES

NET PORTFOLIO VALUE

December 31 7,198,635.00 34,548,719.00 15,395,162.00

--14,000.00 8,409,954.00

----346,297.00 ---

$65,522.768.00

--(390,000.00)

($390,000.00)

$65,522,768.00

November 30 11,927,556.00 34,562,616.00

9,365,390.00 -----

8,313,954.00 -----

445,170.00 ---

$64,464,687.00

--(150,000.00)

($150,000.00)

$64,464,687.00

CASH FLOW

Opening Cash/Money Accounts

CREDITS Funds Received Electronic Transfers Other Credits

Subtotal DEBITS Electronic Transfers Margin Interest Charged Other Debits Visa Purchases (debits) ATM/Cash Advances Checks Written/Bill Payment

Subtotal

Net Cash Flow

Dividends/Interest Income Dividend Reinvestments Security Purchases/Debits Security Sales/Credits

This Statement 152,340.00

10,000.00 100,000.00

2,500.00 112,500.00

(41,000.00) (3,734.00) (2,766.00) -- -- --

(47,500.00)

$65,000.00 20,000.00 (468.52) (25,974.00) 51,911.04

Year to Date

1,725,482.77 159,000.00 5,631.86

1,890,114.63

(843,000.00) (6,789.00)

(364,847.07) (26,001.97) (3,500.00) (83,887.71) (1,328,025.75)

$562,088.88 139,543.90 (2,811.12)

(636,540.22) 411,540.22

This account is pledged as collateral for Loan Management Account # XXX-XXXXX.

Closing Cash/Money Accounts Securities You Transferred In/Out

$262,808.52 35,000.00

303,415.46

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank

of America Corporation. Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.

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Account Summary includes: ? Assets, Liabilities and Cash Flow

for each individual account

JOHN Q CUSTOMER AND

Account Number: 1X1-45678

24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX

ACCOUNT INVESTMENT OBJECTIVE

December 01, 2009 - December 31, 2009

TOTAL RETURN: Objective is to strike a balance between fixed-income instruments for current income and equities for growth. Despite the relatively balanced nature of the portfolio, the investor should be willing to assume the risk of price volatility and principal loss. If you have changes to your investment objective, please contact your Financial Advisor(s).

YOUR CMA BANK DEPOSIT INTEREST SUMMARY

Money Account Description

Opening Balance

FIA Card Services, N.A. Bank of America RI, N.A.

TOTAL ML Bank Deposit Program

98,010 0

98,010

Average Deposit Balance

98,010 3,010

Current Yield%

3.01 3.01

Interest on Deposits

344.75 15.50

$360.25

Closing Balance

122,369 4,024

126,39

ITEMS FOR ATTENTION

Security EMC CORPORATION MASS JPM 0027 7/2

YOUR CMA ASSETS

Message

Opinion Upgraded Option Expiring

Date 12/10/09

Security PFIZER INC DEL PV $0.05

CASH/MONEY ACCOUNTS Description

CASH ML BANK DEPOSIT PROGRAM

TOTAL

Quantity 126,393

Total Cost Basis

1.00 126,393.00 126,394.00

Estimated Market Price

1.0000

Message Opinion Downgraded

Date

Estimated Market Value

1.36 126,393.00 126,394.36

Estimated Est. Annual

Annual Income

Yield%

3,804 3,804

3.01 3.01

001

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Delivers details on:

? Account Investment Objective ? Bank Deposit Interest Summary ? Items for Attention ? Your Assets

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation. Investment products:

Are Not FDIC Insured

Are Not Bank Guaranteed

May Lose Value

2 MLPF&S is a registered broker-dealer, member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.

But to receive those for which you qualify, you should first make sure that you have linked your Merrill Lynch accounts. This will allow you to receive all your brokerage account statements in one envelope, as well as potentially increase the number of summary pages you may receive.

Account Number: 1X1-45678

YOUR BALANCE SHEET (for your ML accounts)

ASSETS

Cash/Money Accounts Fixed Income Equities Mutual Funds Options Other Alternative Investments

Subtotal (Long Portfolio) Estimated Accrued Interest Life Insurance/Annuities

TOTAL ASSETS

December 31

128,850.48 205,419.97 300,325.00

64,484.10 -- --

10,000.00

709,079.55 664.00

459,488.10

$1,169,231.65

November 30

102,564.90 150,000.00 299,110.00

-- -- -- --

551,674.90 5,550.00

458,000.00

$1,015,224.90

LIABILITIES

Margin Loan/Debit Balance Short Market Value

Subtotal

NET PORTFOLIO VALUE

-- (2,200.00) (2,200.00)

$1,167,031.65

-- -- --

$1,015,224.90

OTHER LIABILITIES (not included in Net Portfolio Value)

Loan Management Account (1) Mortgages Home Equity Loans Business Loans

-- (183,612.50)

-- (4,000.00)

-- (185,972.50)

-- (4,350.00)

Subtotal

(187,612.50)

(190,322.50)

TOTAL LIABILITIES

($189,812.50)

($190,322.50)

CASH FLOW

Opening Cash/Money Accounts

CREDITS Funds Received Electronic Transfers Other Credits

Subtotal

DEBITS Electronic Transfers Margin Interest Charged Other Debits Visa Purchases (debits) ATM/Cash Advances Checks Written/Bill Payment

Subtotal

Net Cash Flow Dividends/Interest Income Dividend Reinvestments Security Purchases/Debits Security Sales/Credits Closing Cash/Money Accounts

Securities You Transferred In/Out

(1) Secured by assets in a Merrill Lynch account

December 01, 2009 - December 31, 2009

This Report 102,564.90

4,487.73 13,800.00

250.00 18,537.73

(15,600.00) --

(2,766.23) (169.93) (254.00) (53.05)

(18,843.21)

(305.48) 732.21

(138.00) --

25,996.85 $128,850.48

--

Year to Date

1,725,482.77 59,000.00 5,631.86

1,790,114.63

(52,900.00) --

(364,847.07) (26,001.97) (3,500.00) (867,255.71) (1,314,504.75) $475,609.88

5,109.20 (276.00) 475,609.88 303,415.46

(42,456.78)

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Your Balance Sheet

? Shows both Assets and Liabilities ? Includes Loan Management Account?

and mortgage account values

? Cash Flow section has a comprehensive list of credits and debits including a true net cash flow value

YOUR PORTFOLIO REVIEW

Account Number: 1X1-45678

24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX

December 01, 2009 - December 31, 2009

ASSET ALLOCATION*

Estimated Accrued Interest not included

May not reflect all holdings

Percent

Other

40%

Equities

27%

Fixed Income

21%

Cash/Money Accounts

11%

Alternative Investments

1%

TOTAL

100%

* Includes the categorical values for the underlying portfolio of individual mutual funds, closed end funds, and UITs

BOND MATURITY SCHEDULE

Does not include Fixed Income Mutual Funds

Maturity Years

1?2 2?5 10?15 Total

% of Total Bond Assets

27% 58% 15% 100%

Par Value

40,000 85,000 80,000 205,000

Estimated Market Value

42,300.00 89,953.97 23,666.00 $155,919.97

CURRENT INCOME

$8,000

$2,000

$0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Tax-Exempt Interest Taxable Interest Tax-Exempt Dividends Taxable Dividends Total

This Report 232.50 360.25 1.46 138.00

$732.21

Year To Date 1,818.03 2,432.06 58.06 801.00

$15,109.14

Estimated Annual Income

$18,676.00

TOP FIVE PORTFOLIO HOLDINGS

Based on Estimated Market Value

Lowes Companies ML Bank Deposit Program Hawaii St. Hsg Fin & Dev Hewlett Packard Co Del Hawaiian Electric Inc

Current Value

214,200.00 126,393.00

89,953.97 71,370.00 49,500.00

% of

Portfolio

18.51% 10.92%

7.77% 6.17% 4.28%

001

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Your Portfolio Review

? Features an Asset Allocation chart and a Current Income graph

? Highlights important data about your top five holdings

? Fixed income security holders will receive a Bond Maturity Schedule

? Financial Market Indicators and marketing messages may be included for some accounts

Account Number: 1X1-45678

YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW

December 01, 2009 - December 31, 2009

INCOME SUMMARY

This Report

Year to Date

Account No.

TaxExempt Interest

Taxable Interest

TaxExempt Dividends

? Taxable

Dividends

Total This Report

Income

TaxExempt Interest

Taxable Interest

TaxExempt Dividends

Taxable Dividends

Total YTD Income

Non-Retirement

1X1-45678

233

360

?

449

1,042

1,818

2,432

?

957

5,207

Subtotal

233

360

?

449

1,042

1,818

2,432

?

957

5,207

Retirement 2X1-56789

?

?

1

?

1

?

?

58

?

58

Subtotal??1?1??58?58

TOTAL$233$360$1$449$1,043$1,818$2,432$58$957$5,265 ? Dividends may include long term capital gain distributions.

GAIN/(LOSS) SUMMARY

Realized Gains/(Losses)

Long Term Capital Gain Distributions

Unrealized Gains/(Losses)

Account No.

This Report Short Term

YTD Short Term

This Report Long Term

YTD Long Term

Year To Date

Short Term

Long Term

Non-Retirement 1X1-45678

6,294.66

26,000.00

2,940.61

11,762.44

956.82

?

45,548.00

Subtotal

6,294.66

26,000.00

2,940.61

11,762.44

956.82

?

45,548.00

Retirement 2X1-56789

?

?

?

?

N/A

?

10,871.00

Subtotal????N/A?10,871.00

TOTAL$6,294.66$26,000.00$2,940.61$11,762.44$956.82?$56,419.00

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Your Monthly Income & Gain/(Loss) Review

? Provides Income Summary and Gain/(Loss) Summary for each account in your portfolio

? Offers information on interest and dividends earned for the current reporting period and year to date

? Summarizes realized and unrealized gains and losses

JOHN Q CUSTOMER AND

YOUR CMA ASSETS

CDs/EQUIVALENTS Description

Acquired

+ CD AMERICAN NTL BK & TRST

12/14/01

CHICAGO, ILLINOIS??06.950%??DEC 28 2008

CUSIP: 12345689??

YTD PREMIUM AMORTIZATION: 67.00

TOTAL

Account Number: 1X1-45678

Quantity 40,000

Adjusted/Total Cost Basis

40,492.00

Estimated Market Price

105.7500

December 01, 2009 - December 31, 2009

Estimated Market Value

42,300.00

Unrealized Gain/(Loss)

1,808.00

Estimated Estimated Current Accrued Interest Annual Income Yield%

258.00

2,567 6.07

40,000

40,492.00

42,300.00 1,808.00

258.00

2,567 6.07

GOVERNMENT AND AGENCY SECURITIES

Description

Acquired

Adjusted/Total

Quantity

Cost Basis

+ GNM P246518 09 50% 2020

09/07/90

60,000

CUSIP: 123456789

AMORTIZED FACTOR 0.054385870??AMORTIZED VALUE 3263

ORIGINAL UNIT/TOTAL COST: 100.00/600.00

3,263.00

TOTAL

60,000

3,263.00

Estimated Market Price

110.0000

CORPORATE BONDS Description

Acquired

Adjusted/Total

Quantity

Cost Basis

NM BANK AMERICA CORP BE

03/26/01

20,000

CUSIP: 123456784

15DEC18?MTLY-PAY 06.550% FIXRATE MOODY'S: AA3 S&P: A<

CALL PRICE: 100.00 CALL DATE: 12/15/09

20,000.00

TOTAL

20,000

20,000.00

Estimated Market Price

100.3850

MUNICIPAL BONDS Description

Acquired

Quantity

HAWAII ST HSG FIN & DEV

06/24/98

85,000

CRP SFM PUR REV SR A AMT JUN98 04.750%DEC01 08

MOODY'S: AAA S&P: AAA CUSIP: 123456785

RESET RATE: 100.000 RESET DATE: 12/11/09

TOTAL

85,000

Adjusted/Total Cost Basis 85,000.00

85,000.00

Estimated Market Price

105.8282

Estimated Market Value

3,589.00

Unrealized Gain/(Loss)

326.00

Estimated Estimated Current Accrued Interest Annual Income Yield%

26.00

314 8.75

3,589.00

326.00

26.00

314 8.75

Estimated Market Value

20,077.00

Unrealized Gain/(Loss)

77.00

Estimated Estimated Current Accrued Interest Annual Income Yield%

55.00

1,309 6.52

20,077.00

77.00

55.00

1,309 6.52

Estimated Market Value

89,953.97

Unrealized Gain/(Loss)

4,953.97

Estimated Estimated Current Accrued Interest Annual Income Yield%

325.00

4,030 4.48

89,953.97 4,953.97

325.00

4,030 4.48

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Your Assets ? Delivers a comprehensive listing of

assets in your account by category: -- Cash/Money Accounts -- Fixed Income -- Equities -- Mutual Funds -- Options -- Other -- Alternative Investments

JOHN Q CUSTOMER AND

YOUR CMA TRANSACTIONS

Account Number: 1X1-45678

24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX

December 01, 2009 - December 31, 2009

DIVIDENDS/INTEREST INCOME TRANSACTIONS (continued)

Date

Transaction Type

Quantity

Description

12/22 12/22 12/22 12/22 12/22

Subtotal (Interest)

Lg Tm Cap Gain Reinvestment * Dividend Reinvestment Lg Tm Cap Gain

? LOWE'S COMPANIES INC LOWE'S COMPANIES INC LOWE'S COMPANIES INC

? LOWE'S COMPANIES INC BLACKROCK GLOBAL ALLOC HOLDING 1301.9370 QUAL DIV 311.01 PAY DATE 12/05/2009

12/22

Divd Reinvestment

3

LOWE'S COMPANIES INC

REINV AMOUNT $138.00

REINV PRICE $46.00

QUANTITY BOUGHT 3.00

Subtotal (Dividends)

NET TOTAL

Reinvestment

(138.00) (234.00)

Income 360.25 138.00

234.00

311.01

Income Year To Date

2,432.05

683.01 1,041.76

1,112.01 5,362.09

? Long Term Capital Gain Distributions

449.01

956.82

The long-term capital gain distribution amounts may change due to income reclassification information provided by the issuer. In particular, distributions made by Mutual Funds, REITs and UITs often need to be reclassified as a different type of distribution (including long-term capital gain distributions) after the end of the year in which the distribution was originally paid.

SECURITY TRANSACTIONS

Date

Description

12/15 12/18 12/22

AUTOMATIC DATA PROC CUS NO 053015103

AUTOMATIC DATA PROC CUS NO 053015103 SUN MICROSYSTEMS INC COM

Subtotal (Sales)

Transaction Type Sale Sale Sale

Quantity -400 -100 -100

Unit Price 8.6435

38.7300

86.6645

Debit

Credit 3,457.40

3,873.00

8,666.45 15,996.85

Accrued Interest Earned/(Paid)

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Your CMA?Transactions:

? Provides detail on Income, Security Transactions, Securities You Transferred In/Out (if applicable), and Realized Gains/(Losses)

Note: Specific detail sections may not appear in all statements, depending on account type, holdings and activity.

3

Key Information

In the pages that follow, we'll take you on a guided tour of your statement and show you some of the key features and benefits.

Summary Pages

Your Merrill Lynch Report This page shows your personal balance sheet-- your Merrill Lynch Assets and Liabilities in one view.

Your Accounts This summary page lists all your linked accounts. Open 24/7 Our 24-hour assistance number appears prominently on every other page. Your statement also features contact information for your Merrill Lynch Financial Advisor.

Your Balance Sheet This page clearly presents your Assets and Liabilities, demonstrating the value of consolidating and integrating asset management with debt management.

JOHN Q CUSTOMER AND MARY CUSTOMER 123 ANY STREET APT 1A ANYTOWN, ST 12345-6789

Need Investment Guidance? Call Your Financial Advisor

Your Financial Advisor: JOHN Q ADVISOR 456 ANY STREET ANYTOWN, ST 12345-6789 john_advisor@ (000) 000-0000

Primary Account: 1X1-45678

YOUR MERRILL LYNCH REPORT

December 01, 2009 - December 31, 2009

PORTFOLIO SUMMARY

Net Portfolio Value Your Assets Your Liabilities1

Your Net Cash Flow (Inflows/Outflows) Securities You Transferred In/Out

Subtotal Net Contributions

Your Dividends/Interest Income Your Market Change

Subtotal Investment Earnings Net Portfolio Value (in millions), 2004-2009

December 31 $1,167,031.65 $1,169,231.65

($2,200.00)

($305.48) --

($305.48)

$732.21 $151,380.02 $152,112.23

November 30 $1,015,224.90 $1,015,224.90

--

($1,324.01) --

($1,324.01)

$1,202.21 $42,381.00 $43,583.21

Month Change

$151,806.75

$154,006.75

If you have questions on your statement,

call 24-Hour Assistance:

(800) MERRILL

(800) 637-7455 Access Code: XX-XXX-XXXX

.97

.99

1.01

1.16

Up-to-date account information can be viewed

.94 .92

.92

.95

.95

.93

.94

.93

at: , where your statements are

archived for three or more years.

Questions about ? Click the "help" tab at the top of the screen once you log in.

4/04 12/04 12/05 12/06 12/07 12/08 1Q09 2Q09 3Q09* 10/09 11/09 12/09 * Link relationship change. 1 Includes cash/margin debit balances and short market values. See Your Balance Sheet and account statements for more details.

INFORMATION AT YOUR FINGERTIPS, NOT IN YOUR MAILBOX

Did you know you can receive this statement and many other Merrill Lynch communications electronically, instead of in the mail? E-delivery through My Merrill ? is a fast,

flexible, safe way to reduce paper mail. Visit to enroll today.

Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank

of America Corporation. Investment products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value

MLPF&S is a registered broker-dealer, Member Securities Investor Protection Corporation (SIPC) and a wholly owned subsidiary of Bank of America Corporation.

001

0007254 001020 7954

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YOUR ACCOUNTS

Account Number: 1X1-45678

24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX

December 01, 2009 - December 31, 2009

Account No.

Account Type/Managing Firm

December 31

November 30

Page

BEYOND BANKING

Beyond Banking marketing message displayed here.

INVESTMENTS

JOHN Q CUSTOMER AND

1X1-456781

CMA

1This account has a margin debit balance. Please see the enclosed account statement for details.

1,149,820.53

996,170.24

6

RETIREMENT JOHN'S RETIREMENT

2X1-56789

IRA

17,211.12

19,054.66

20

CREDIT & LENDING

JOHN Q CUSTOMER AND

0000000000

Mortgage as of 07/29/09

(183,612.50)

(185,972.50)

JOHN Q CUSTOMER AND

0000000000

Home Equity as of 07/29/09

--

--

Available Credit: 200,000.00

Subtotal

(183,612.50)

(185,972.50)

Mortgage and home equity information provided by PHH Mortgage Corporation, the servicer of these loans. Previous month's mortgage and home equity balances are not as

of the date above, but reflect balances reported on your last Merrill Lynch statement. For detailed information, please reference your regular monthly loan statement.

ESTATE PLANNING SERVICES

Estate Planning Services marketing message displayed here.

SOLUTIONS FOR BUSINESS

Business Financial Marketing Message displayed here.

All brokerage accounts are held at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Member SIPC. Bank deposits are held at Merrill Lynch affiliated banks or other depository institutions and are covered by FDIC insurance up to applicable limits. They are not protected by SIPC, see footnote 14 on the last page of this statement for more information. These summary reports are provided for informational purposes only and contain information from accounts linked for delivery in a single package. The underlying accounts may have different owners and use of "you" or "your" in these reports refer to all owners. The enclosed separate account statements are the official record for each account.

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000000000000000000

0000000000000

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Account Number: 1X1-45678

YOUR BALANCE SHEET (for your ML accounts)

ASSETS

Cash/Money Accounts Fixed Income Equities Mutual Funds Options Other Alternative Investments

Subtotal (Long Portfolio) Estimated Accrued Interest Life Insurance/Annuities

TOTAL ASSETS

December 31

128,850.48 205,419.97 300,325.00

64,484.10 -- --

10,000.00

709,079.55 664.00

459,488.10

$1,169,231.65

November 30

102,564.90 150,000.00 299,110.00

-- -- -- --

551,674.90 5,550.00

458,000.00

$1,015,224.90

LIABILITIES

Margin Loan/Debit Balance Short Market Value

Subtotal

NET PORTFOLIO VALUE

-- (2,200.00) (2,200.00)

$1,167,031.65

-- -- --

$1,015,224.90

OTHER LIABILITIES (not included in Net Portfolio Value)

Loan Management Account (1) Mortgages Home Equity Loans Business Loans

-- (183,612.50)

-- (4,000.00)

-- (185,972.50)

-- (4,350.00)

Subtotal

(187,612.50)

(190,322.50)

TOTAL LIABILITIES

($189,812.50)

($190,322.50)

CASH FLOW

Opening Cash/Money Accounts

CREDITS Funds Received Electronic Transfers Other Credits

Subtotal

DEBITS Electronic Transfers Margin Interest Charged Other Debits Visa Purchases (debits) ATM/Cash Advances Checks Written/Bill Payment

Subtotal

Net Cash Flow Dividends/Interest Income Dividend Reinvestments Security Purchases/Debits Security Sales/Credits Closing Cash/Money Accounts

Securities You Transferred In/Out

(1) Secured by assets in a Merrill Lynch account

December 01, 2009 - December 31, 2009

This Report 102,564.90

4,487.73 13,800.00

250.00 18,537.73

(15,600.00) --

(2,766.23) (169.93) (254.00) (53.05)

(18,843.21)

(305.48) 732.21

(138.00) --

25,996.85 $128,850.48

--

Year to Date

1,725,482.77 59,000.00 5,631.86

1,790,114.63

(52,900.00) --

(364,847.07) (26,001.97) (3,500.00) (867,255.71) (1,314,504.75) $475,609.88

5,109.20 (276.00) 475,609.88 303,415.46

(42,456.78)

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Portfolio Summary Highlights changes in Portfolio Summary including Net Cash Flow, Securities Deposits/Withdrawals and Market Change.

Net Portfolio Value The line chart displays trends over the past five years plus the current year.

Account Level Summary Your accounts summarized in one view. Margin-Available Credit is displayed for applicable accounts. Also, this page is organized by product categories for clear, consistent communication about your financial life.

Liabilities Section The Liabilities section clearly differentiates classes of liabilities and provides information on margin accounts, securities-based lending, mortgages and/or home equity loans with Merrill Lynch Home LoansTM and business loans. For most clients, information about your Merrill Lynch Home Loan mortgage and/or home equity loan will appear automatically on your statement unless you have elected a privacy choice that prohibits this.*

* For clients who are residents of California and Vermont, information about your Merrill Lynch Home Loan mortgage and/or home equity loan will appear on your statement only if you have provided affirmative written consent. Any first and/or home equity mortgage client who wishes to change an existing privacy election must provide written consent.

If you have any questions, or to obtain instructions and a Consent to Change form, you can call a loan servicing agent directly at (888) 412-8625;

4

or you can go to: .

Your Portfolio Review We've laid out this information in four quadrants to make it easy to access and understand.

Asset Allocation Shows how your account is allocated among the following asset categories: Cash and Money Accounts, Fixed Income, Equities, Alternative Investments or Other. A footnote may appear regarding allocation of Mutual Funds, if applicable.

Bond Maturity Schedule Presented here is the total value of your bond portfolio within defined maturity ranges. The table also shows the par value of the bond portfolio residing within each maturity range.

YOUR PORTFOLIO REVIEW

Account Number: 1X1-45678

24-Hour Assistance: (800) MERRILL Access Code: XX-XXX-XXXX

December 01, 2009 - December 31, 2009

ASSET ALLOCATION*

Estimated Accrued Interest not included

May not reflect all holdings

Percent

Other

40%

Equities

27%

Fixed Income

21%

Cash/Money Accounts

11%

Alternative Investments

1%

TOTAL

100%

* Includes the categorical values for the underlying portfolio of individual mutual funds, closed end funds, and UITs

BOND MATURITY SCHEDULE

Does not include Fixed Income Mutual Funds

Maturity Years

1?2 2?5 10?15 Total

% of Total Bond Assets

27% 58% 15% 100%

Par Value

40,000 85,000 80,000 205,000

Estimated Market Value

42,300.00 89,953.97 23,666.00 $155,919.97

CURRENT INCOME

$8,000 $2,000

$0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Tax-Exempt Interest Taxable Interest Tax-Exempt Dividends Taxable Dividends Total

This Report 232.50 360.25 1.46 138.00

$732.21

Year To Date 1,818.03 2,432.06 58.06 801.00

$15,109.14

Estimated Annual Income

$18,676.00

TOP FIVE PORTFOLIO HOLDINGS

Based on Estimated Market Value

Lowes Companies ML Bank Deposit Program Hawaii St. Hsg Fin & Dev Hewlett Packard Co Del Hawaiian Electric Inc

Current Value

214,200.00 126,393.00

89,953.97 71,370.00 49,500.00

% of

Portfolio

18.51% 10.92%

7.77% 6.17% 4.28%

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Current Income This chart graphically depicts monthly and year-to-date income. Additionally, it delineates interest paid on taxable versus tax-exempt securities and displays the values of dividends paid on both a taxable and tax-exempt basis.

Financial Market Indicators This chart appears on the Portfolio Review page if you don't have fixed income securities. It shows the value of major market indicators for both the current and prior periods.

Your Monthly Income & Gain/(Loss) Review This page provides a summary of income from interest and dividends, as well as information on gains and losses for each account during the current month and year to date.

Gain/(Loss) Summary Shows long- and short-term gains and losses, both realized and unrealized, for each account, and year-to-date values for long- term capital gain distributions.

Account Number: 1X1-45678

YOUR MONTHLY INCOME & GAIN/(LOSS) REVIEW

December 01, 2009 - December 31, 2009

INCOME SUMMARY

This Report

Year to Date

Account No.

TaxExempt Interest

Taxable Interest

TaxExempt Dividends

? Taxable

Dividends

Total This Report

Income

TaxExempt Interest

Taxable Interest

TaxExempt Dividends

Taxable Dividends

Total YTD Income

Non-Retirement

1X1-45678

233

360

?

449

1,042

1,818

2,432

?

957

5,207

Subtotal

233

360

?

449

1,042

1,818

2,432

?

957

5,207

Retirement 2X1-56789

?

?

1

?

1

?

?

58

?

58

Subtotal??1?1??58?58

TOTAL$233$360$1$449$1,043$1,818$2,432$58$957$5,265

? Dividends may include long term capital gain distributions.

GAIN/(LOSS) SUMMARY

Realized Gains/(Losses)

Long Term Capital Gain Distributions

Unrealized Gains/(Losses)

Account No.

This Report Short Term

YTD Short Term

This Report Long Term

YTD Long Term

Year To Date

Short Term

Long Term

Non-Retirement

1X1-45678

6,294.66

26,000.00

2,940.61

11,762.44

956.82

?

45,548.00

Subtotal

6,294.66

26,000.00

2,940.61

11,762.44

956.82

?

45,548.00

Retirement

2X1-56789

?

?

?

?

N/A

?

10,871.00

Subtotal????N/A?10,871.00 TOTAL$6,294.66$26,000.00$2,940.61$11,762.44$956.82?$56,419.00

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Income Summary Shows income generated and received during the month and year to date. This table separates interest received on taxexempt securities from that received on taxable securities and displays dividends paid on both a taxable and tax-exempt basis. Total values are shown for each account and for your overall portfolio.

5

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